LexisNexis Credit Reporting Complaint

LexisNexis Credit reporting department,

Credit reporting company's investigation Inadequate help over the phone Indiana

I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only - 30 day late in the last - years. 2 ) I 've had credit for - years and the youngest '' active or cancelled account I have is - and the oldest is at least - years old. 3 ) I only have - revolving accounts, - are store cards that are rarely used, - card for work and - that were personal. All accounts have credit limits over $5000.00 that never go above - and are paid off monthly4 ) It 's been - years since my only late payment ( - days on a - - Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against


issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a - middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over - or more years ) and I 've been continuously insured for over - years. The score with my ex-husband was a - even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.